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folks thanks for coming on the line with us today well be spending the next 45 minutes to an hour discussing chronic special needs programs and the ability that an insurance agent has to market these grams on a year-round basis these are programs that came about as part of legislation from 2003 in the Medicare Modernization Act that set up a new type of Medicare managed care program focused on certain vulnerable groups of Medicare beneficiaries and these are usually set up on a network based program a platform such as an HMO or PPO type of delivery system and is tailored for a specific groups needs to qualify as a sniff program there has to be a specific care program detailed out to deal with the unique challenges of these particular conditions and that is reflected in not only the set up of the plan benefits but also the drug formularies and the providers that are part of the programs as well there are actually three different types of Medicare special needs plans created by that leg
